John, yes there is some help in these books. My point is to use the help in the books you already have. Buying more of them will do little, if anything, as they all cover the same basic principles of climbing the ladder.
Next, there are no short cuts, no quick fixes, easy way out where jobs and paying off debt are concerned. Yes, there is sound advice from people like Dave Ramsey, if people are willing to use it. Are you eating beans & rice and rice & beans?
The two phrases in bold in your reply speak volumes. You say there's no hope for the man with huge medical bills. What kind of hope are you talking about? Hope for a quick and easy way to meet his obligations? A relatively sweat free way to begin enjoying weekends at the beach or playing golf?
Yes, I feel deeply for this man who has to shoulder the burdon of massive medical expenses. Providing he didn't have the means to prevent having to assume that tremendous debt load. ie could have had medical insurance and chose not to pay for it. If this man, through no fault of his own has this problem, then this is when the Christian community should come in an lend him a hand. Help him carry the cross he must bear.
Student loans are a little different situation. That's more like buying a house. In either event, the person willingly goes into to debt to obtain something they want. He or she signs on the dotted line, agreeing to pay off that debt, even if it means making payments for 30 years. It is a cross they chose to bear voluntarily.
What do you mean by "I have not yet applied for Fafsa but will do so soon hoping to get a good investment."
http://studentaid.ed.gov/PORTALSWebApp/students/english/repaying.jsp?tab=repaying Are you seeking a way to avoid replaying your debt?
A voluntarily incurred debt is an
obligation to pay that debt and has nothing to do with "hoping to get a good investment". You say that if you don't get what you're seeking at FAFSA, then there's nothing you can do.
Yes, there is something you can do. I know this sounds harsh, but it is truth. You can work for ever how many
years it takes to pay that debt. You can use money spent on "success" books and apply it to your loan. You can spend the hours listening to Dave Ramsey at a second job, instead. You can postpone having a good time on the weekends and such until you've satisified the obligations that you made. AFTER you've met your obligations that others have invested in your education, you can begin to enjoy the fruits of your labor. Not before.
Again, I'm speaking from experience.
Thinking back to the long hard hours, sometimes at jobs paying far less than current minimum wages, we've paid our debts. At one time we had to pay rent every 2 weeks as we didn't have enough money to pay for a full month at one time. Had to walk by simple pleasure of life because we knew we'd be paying for them with someone else's money. (Spending money on ourselves when we owed others.)
Yes, there is something you can do. Stop looking for easy ways out. Stop looking for quick fixes. Stop moaning about the money you have to REPAY for the benefits you've already received. As a professing Christian, pick up your cross and carry it. As a preacher, what does it do to your testimony, when you try to find ways to avoid the weight of a cross that you designed for yourself?
Think about it.
The lost and undecided are watching you. Watching what kind of fruit you bear. As a man of God, watching how closely your life actions bear witness to the gospel you preach. Are you willing to pick up your cross and bear it with the same grace as our Lord, when he bore the sins of the world on his back?
